Licensed & LendingHard Money & DSCR Loans in Missouri
Capital Kings funds Missouri investor loans. Hard money, DSCR, and bridge for Kansas City, St. Louis, Springfield, and the Lake of the Ozarks STR market. Missouri is one of the most consistent cash-flow markets in the Midwest.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
Loan Products
Capital That Funds Missouri Deals
St. Louis and Kansas City both offer strong rent-to-price ratios that make BRRRR and turnkey rental strategies work. And the Lake of the Ozarks is one of the country's most reliable STR markets for boating-season cash flow. Our DSCR lenders underwrite Missouri rentals aggressively because the comps support it.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Missouri fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Missouri buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Missouri growth corridors specifically.
Active Markets
Cities We Fund Across Missouri
Active lending across Missouri's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for Missouri Investors
Kansas City / St
Louis BRRRR financing
Lake of the Ozarks STR loans
Available statewide for Missouri investors.
Bridge financing for value-add multifamily
Available statewide for Missouri investors.
Common Questions
Missouri Lending FAQ
Do you lend hard money loans in Missouri?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Missouri through our 270+ lender network. We close Missouri deals in as little as 7 days.
What cities in Missouri does Capital Kings lend in?
We fund investor loans statewide in Missouri, with active deal flow in Kansas City, St. Louis, Springfield, Columbia, Independence and the surrounding metros.
Do you offer DSCR rental loans in Missouri?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across Missouri on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Missouri hard money loan close?
Most Missouri fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Missouri fix-and-flip loan?
As little as 0% down on the right deal. Most Missouri hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Missouri can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Missouri Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Missouri deal we close.
Adjacent Markets
Also Lending In
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Founder & Broker
Micah Foster
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Connect With Micah →Ready to fund your Missouri deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Missouri are originated by partner lenders licensed to lend in Missouri. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.